Bank of England Base rate currently 4.75% next meeting Thursday the 6th of February.
Hello and Welcome!
If you are looking for expert and impartial advice on mortgages, you have come to the right place. Whether you are a first-time buyer, a homeowner looking to move or re-mortgage, or an experienced landlord looking for a buy-to-let mortgage, we can help you find the best deal for your circumstances.
We are highly qualified and experienced mortgage advisers and work from a comprehensive panel which is representative of the whole of the market , including specialist lenders who cater for unusual situations and poor credit history. We will guide you through the whole process of applying for a mortgage, from finding the right lender and product, to completing the paperwork and liaising with solicitors and surveyors.
We are not tied to any bank or building society, so we can offer you unbiased and honest advice on the best mortgage options for you. We will also compare the costs and benefits of different mortgages, taking into account fees, interest rates, features and flexibility.
We know that applying for a mortgage can be stressful and confusing, especially in today’s competitive and complex market. That’s why we are here to make it as easy and hassle-free as possible for you. We will answer all your questions, explain everything clearly, and keep you updated throughout the process.
We offer a 'no obligation' initial consultation, where we will assess your needs and circumstances, and give you an indication of how much you can borrow and what kind of mortgage you can get. We will also tell you how much our fee will be if you decide to proceed with us. There is no obligation to use our services after the consultation.
So if you are looking for a friendly and professional mortgage advice service that puts your interests first, contact us today. We would love to hear from you and help you achieve your property goals.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
Regulatory Status & Fees
Regulatory Status
J D Mortgages is a trading name of Jason Dean Flack who is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
Our Fees and Charges
Insurance
We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.
You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.
Mortgages
For our advice services, we will charge a fee of between £149 and £599. We will agree your arrangement fee with you before commencing any chargeable work for you, and the amount payable will take account of the following factors:
• Your personal financial circumstances
• The complexity of your borrowing requirements
• The amount of work required to fulfil your needs
Our typical advice fee is £149 for standard residential mortgages, £299 for Buy to Let mortgages and up to £599 for complex cases typically but not limited to Limited Company Buy To Lets, Adverse Credit, Help to Buy, Joint Ownership, Right to Buy and Joint Purchaser Sole Proprietor.
We will waiver these fees for re-mortgage cases only where our advice is to remain with your existing Lender and switch to a better rate. (Product Transfer)
The fee is payable on application and you will not receive a refund if your mortgage or loan does not go ahead.
We will also be paid a procuration fee by the lender. The amount of the procuration fee will be disclosed to you.
The guidance contained within this website is subject to the UK Regulatory regime and is therefore primarily targeted at consumers based in the UK.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
WE SPECIALISE IN...
WE SPECIALISE IN...
WE SPECIALISE IN...
Purchase mortgages
Re-mortgaging and Product Transfers
First Time Buyers
Self-Employed mortgages
Professionals mortgages
Interest Only mortgages
Buy To Let mortgages
Let To Buy mortgages
IT Contractor mortgages
Buy To Let Portfolio mortgages
High Net Worth mortgages £1m plus
Shared Ownership and Right To Buy mortgages
Offset mortgages.
We can point yo
Purchase mortgages
Re-mortgaging and Product Transfers
First Time Buyers
Self-Employed mortgages
Professionals mortgages
Interest Only mortgages
Buy To Let mortgages
Let To Buy mortgages
IT Contractor mortgages
Buy To Let Portfolio mortgages
High Net Worth mortgages £1m plus
Shared Ownership and Right To Buy mortgages
Offset mortgages.
We can point you in the right direction for
Bridging, Commercial and Second charge finance. - If an application is submitted to a lender via a packager (a 3rd party specialist) we will be paid commission by the packager. This will be disclosed to you.
WE SPECIALISE IN...
WE SPECIALISE IN...
PROTECTING YOUR HOME AND FAMILY
We can help you to secure your main residential home, second home or property portfolio, but we will also make sure that you keep it if times get tough.
With some simple planning, we can protect your income and your family and make sure that a firm financial foundation is in place in the event of death or il
PROTECTING YOUR HOME AND FAMILY
We can help you to secure your main residential home, second home or property portfolio, but we will also make sure that you keep it if times get tough.
With some simple planning, we can protect your income and your family and make sure that a firm financial foundation is in place in the event of death or ill health. We always take time to understand your needs and to make sure the most important things are covered. We can arrange life cover, critical illness cover and income protection as well as specific mortgage protection.
A condition of your mortgage offer from the Lender is to ensure the building you buy is insured before the exchange of contracts. Buildings insurance covers the structure of the property including the fixtures and fittings. Owners are covered for subsidence and damage, which are important to the mortgage provider.
It is also vital to insure your home contents (all the bits and pieces that would fall down if you turned your house up side down) like jewellery, artwork, electrical goods and sports equipment. As our house contents are constantly changing, it is important to keep your level of cover up-to-date.
We can arrange residential and buy-to-let let buildings insurance using a range of providers.
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Walt Disney